Eclat Pacifics

Frequently Asked Questions (FAQ)

1) When will my online account be open?

For Certificates of Deposit - After completing the application you should receive two micro-deposits in your external bank account being used to fund your account at Eclat Pacifics within two business days.  These two amounts need to be verified on Eclat Pacifics's website after logging in to online banking.  Once these amounts are verified, your account will be funded and opened within two business days.

For All Other Accounts - After completing the application your account should be opened within 1-2 business days.  Once opened, you can fund your account by sending a wire, ACH, or by making a mobile deposit through our mobile banking app.

2) Are there online external transfer limits?

Yes, there is a maximum of $50,000 per external transfer initiated through our online banking website.  In addition, there is a $250,000 limit per month.  If you need to initiate an external transfer that exceeds these limits, you may fill out and email a form to  For a transfer out of your Eclat Pacifics account, click here.  For a transfer into your Eclat Pacifics account, click here.

3) What is Eclat Pacifics's routing number?

4) Can I have my interest payments sent to an external bank account automatically?

Yes, these payments are sent via ACH. To have these payments set up, please fill out our ACH Interest Payment Form and email it to  The form can be found here.

5) When should I see interest post to my account?

Interest posts monthly on money market and interest-bearing checking accounts at month-end.  For savings accounts, interest posts every calendar quarter.  Certificates of Deposit (CD) interest posts quarterly from the account opening day (a CD opened on February 15th would receive interest on May 15th, August 15th, etc.).